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HDFC Bank · Visa Infinite · हिन्दी

HDFC Infinia Credit Card: full review

The HDFC Infinia is India's best premium credit card for high spenders. Unlimited lounge access globally and exceptional reward rates make it worth the high fee.

Apply now ↗Annual fee: ₹12,500 + taxes
Last updated: August 2026 · Current terms verified
HDFC BANK
VISA
)))
INFINIA
ASHOK KUMAR
12/28
₹12,500 + taxes (waived on ₹10L spend)Annual fee
5 reward points per ₹150; 10X on SmartBuy; 2X on diningReward structure
Unlimited (domestic + international)Lounge access
Unlimited lounge access worldwide10X points on HDFC SmartBuy5X points on diningLow 2% forex markupGolf programme accessAnnual fee waived on ₹10L spend
Apply now ↗ Min. income: ₹25L+ per year · Credit score: 800+
Pros and cons
Pros
✓ Best unlimited lounge access in India
✓ Highest reward rate in premium segment
✓ Golf and concierge benefits
✓ Low forex for international travellers
Cons
✗ Very high income requirement
✗ High annual fee
✗ Invite-only in some cases
Quick facts
Issuer HDFC Bank
Network Visa Infinite
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹12,500 + taxes (waived on ₹10L spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹12,500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited (domestic + international)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 800+
SourceHDFC Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for HDFC Infinia Credit Card is ₹12,500 + taxes (waived on ₹10L spend). The joining fee is ₹12,500.
5 reward points per ₹150; 10X on SmartBuy; 2X on dining
HDFC Infinia Credit Card is best for Premium rewards and unlimited lounge. The HDFC Infinia is India's best premium credit card for high spenders. Unlimited lounge access globally and exceptional reward rates make it worth the high fee.
The minimum income requirement for HDFC Infinia Credit Card is ₹25L+ per year. A minimum credit score of 800+ is also recommended.
Yes, HDFC Infinia Credit Card offers Unlimited (domestic + international).
HDFC Infinia Credit Card charges a 2% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Salaried Employees →Best Premium Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Compare with similar cards
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HDFC Infinia₹12,500 + taxes
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